Help with your concerns
- I've been contacted about releasing my pension early
- Payments haven't been made to my workplace pension scheme
- Why have I been enrolled into a pension scheme?
- My employer isn't complying with their pension duties
- I have a query or dispute with my pension scheme
- I've been mis-sold a pension
- I suspect malpractice or poor administration of my pension scheme
- I have a query about my State Pension
- Report your concern to us
I've been contacted about releasing my pension early
If you think you may have been targeted by a pension scam (also known as 'early pension release', 'pension unlocking', 'pension loans' or 'pension liberation fraud') then contact Action Fraud on 0300 123 2040.
For more information see protect yourself against pension scams.
Payments haven't been made to my workplace pension scheme
If your employer hasn’t made the contribution payment to your workplace pension scheme that they are required to make, or they haven’t passed the contribution deducted from your salary to your workplace pension scheme, you can report this to us using our dedicated online form.
Why have I been enrolled into a pension scheme?
The law requires all employers to automatically enrol certain staff into a pension scheme and pay contributions. Employers also have to deduct staff pension contributions from salary payments. Between 2012 and 2018 these requirements will be rolled out to all employers.
If you have been automatically enrolled and you want to opt out then speak to the pension scheme or your employer who should provide you with an opt out notice.
If you are concerned that you might not be able to afford your new pension contributions go to the Money Advice Service website.
My employer isn't complying with their pension duties
If you believe that your employer has failed to comply with their duties, you can report your concern to us using our dedicated online form, but please consider before doing so that not all employers have to provide a pension scheme straight away.
Each employer has been given or will be given the specific date by which they need to comply with these new duties. Contact your employer in the first instance to find out when the law applies to them or find out if you're likely to be automatically enrolled into a workplace pension on GOV.UK.
It is against the law for employers to attempt to make you opt out of being automatically enrolled into a pension scheme or indicate during recruitment that if you do not opt out of the automatic enrolment pension it will affect whether or not you are recruited.
If you require further information or advice in relation to your automatic enrolment rights then go to the Pensions Advisory Service website.
I have a query or dispute with my pension scheme
The Pensions Advisory Service (TPAS) provides free and independent guidance on pensions. They can help you if you have a pension query.
The Pensions Ombudsman provides free and impartial advice to settle complaints and disputes. They can help you if you if you have a dispute with your pension scheme.
I've been mis-sold a pension
If you believe you have been mis-sold a pension you can make a complaint to the Financial Ombudsman Service.
I suspect malpractice or poor administration of my pension scheme
If you suspect dishonesty or possible fraud in your workplace pension scheme or have significant concerns about how it is being run, you can report them to us using our dedicated online form.
I have a query about my State Pension
For information on State Pensions see the basic State Pension guide on GOV.UK.
Report your concern to us
If you are concerned that:
- payment hasn’t been made to your workplace pension scheme, or
- your employer isn’t complying with their pension duties, or
- you are concerned about how your scheme is being run
You can contact us and report the details using our dedicated online forms.
Report concerns about your workplace pension
Let us know about concerns you have with the way your workplace pension is being run, also known as 'whistleblowing'.
How to make a complaint
How to make a complaint about The Pensions Regulator as an organisation or the services that we provide.
Public Interest Disclosure Act 1998
The Public Interest Disclosures Act (PIDA) is known in the UK as the whistleblowing law. The Act provides that employers should not victimise any worker who blows the whistle in one of the ways set out in legislation.
Whistleblowing guide on GOV.UK
Further information about whistleblowing can be found on the GOV.UK website.